Bank, Thrift and Credit Union Ratings

Please see
the table below for the Safe & Sound® star rating explanation. Additional information
such as the predictive indicator is not available for this institution.

Bankrate.com's Safe & Sound® service is a proprietary system designed to provide
ratings information on the relative financial strength and stability of U.S. commercial
banks, savings institutions and credit unions.

Ratings structure

Presented below is an explanation of Bankrate's Safe & Sound rating system
for commercial banks, savings institutions and credit unions:

Disclaimer : This information is believed to be reliable, but the
information is not guaranteed. In addition, events since the information was collected
may have altered an institution's financial condition.

About the Predictive Indicator : The Safe & Sound star ratings
should not be deemed predictive of likely future ratings; in view of early warning
indicators, however, we note via the predictive indicator whether the star rating
for this institution is likely to change or stay the same over the next twelve month
period.

About Safe & Sound®
Star Ratings™ : We believe that many banking consumers consider
a bank's financial stability to be pertinent to their banking decisions. Bankrate.com's
Safe & Sound Star Ratings feature is an independent resource to assist consumers
in those banking decisions.